PriorityMedicare Smart Savings (HMO-POS)

PriorityMedicare Smart Savings (HMO-POS) is a HMO-POS plan offered by Corewell Health available for enrollment in 2026 to people living in lower peninsula MI counties. This plan received an overall rating of 4.5 out of 5 stars in 2026.

It's important to know that PriorityMedicare Smart Savings (HMO-POS) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.

Key Plan Facts

Below are a few key facts and commonly-asked questions about PriorityMedicare Smart Savings (HMO-POS).

Plan Costs:

The cost of a Medicare Advantage Plan is made up of four main parts.

• First, the monthly premium — the amount you pay every month.
• Second, the deductible — the amount you pay out of pocket for covered services before the plan starts paying.
• Third, the copayments and coinsurance — the amounts you pay out of pocket for covered services, usually after meeting the deductible (if applicable). Copays are fixed dollar amounts; coinsurance is a percentage of the cost.
• Fourth, the Out-of-Pocket Maximum — the maximum amount you could have to pay out of pocket in a year. This may be different for in-network and out-of-network services.

You can see below for the coinsurance and specific copayments for in the Additional Benefits section below, or refer to our Plan Details page for more details.

Common Services:

Drug Coverage

The PriorityMedicare Smart Savings (HMO-POS) plan features an annual drug deductible of $500. For Tier 1 preferred generic drugs, you pay as little as a $1 copay for a 1-month supply at preferred pharmacies, and there is no copay for a 3-month supply filled through preferred pharmacies or preferred mail order. Tier 2 generic medications cost $8 for a 1-month supply at preferred pharmacies, with no copay required for a 3-month supply when using preferred mail order. Tier 3 preferred brand drugs carry a $42 copay for a 1-month supply at preferred locations, while standard pharmacies charge a $47 copay. For higher-tier medications, Tier 4 non-preferred drugs require a flat 25% coinsurance, and Tier 5 specialty drugs require a 27% coinsurance for a 1-month supply across all pharmacy types. Utilizing preferred pharmacies and preferred mail order delivery provides the greatest cost savings throughout all coverage tiers.

Additional Benefits

The PriorityMedicare Smart Savings (HMO-POS) plan offers robust healthcare coverage with no coinsurance for many essential services, including inpatient hospital stays which require a $380 daily copay for the first seven days. Members benefit from no copay for primary care visits, telehealth services, and routine preventive care, while specialist visits carry a copay ranging from $15 to $55. Emergency room visits have a $115 copay, and urgent care services require a $40 copay, with both fees waived if you are admitted. For ancillary care, the plan features no copay for routine dental exams, cleanings, and routine hearing tests, though prescription hearing aids require a copay between $295 and $1,495. Vision services include a $55 copay for routine eye exams and no copay for eyewear up to a $100 annual allowance. Additionally, diagnostic lab services and home health care are covered with no copay, while durable medical equipment and dialysis services require a 20% coinsurance.